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Industries

Payment expertise tailored to how your business operates.

E-CommerceOnline and omnichannel merchantsRestaurantsFast, dependable service environmentsRetailersSingle and multi-location retailHospitalityPayments for guest-first businessesB2BOptimized commercial card processingNon ProfitMake every contribution countSalonsSimple checkout for service teamsHealthcareSecure patient paymentsMail OrderReliable card-not-present paymentsAuto RepairKeep service bays movingSupermarketHigh-volume grocery paymentsMobile PaymentsTake payments wherever work happensFuneral HomesCompassionate payment solutions for funeral service providersBusiness OwnersTools for growing businessesDevelopersFlexible payment integrationsAffiliatesGrow with the BAMS partner networkBookkeepersPartner support for your clients
View All Industries
Solutions

Payment solutions built to support your business at every stage.

Accept payments

BAMS Payment GatewayA flexible gateway built for merchantsPayment GatewaysConnect the tools you already useE-Commerce Merchant AccountsFlexible payment processing built for online sellersMobile PaymentsAccept secure payments wherever business happensLevel 3 ProcessingLower interchange costs on eligible B2B transactionsEMVSecure in-person chip card transactions

Access funds & grow

Same Day FundingImprove access to daily cash flowNext Day FundingGet eligible deposits the next dayFundingCompare funding options for your businessGift & LoyaltyEncourage repeat visits with branded rewardsCompetitive Price GuaranteeGet transparent pricing built to competeNYC Merchant ServicesLocal payment processing services

Protect & expand

Chargeback DefenseRespond clearly and reduce lossesReporting & AnalyticsSee performance in one placePCI ComplianceMake payment security easierOptBlueAccept supported wallets with integrated pricingApple PayOffer a fast and familiar mobile checkoutBuy Now, Pay LaterGive customers flexible ways to pay
View All Solutions
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Explore BAMS
BAMS Payment Solutions for Local NYC Merchants

Your corner of
NYC. Your
long-term
payment partner.

BAMS is a local merchant services provider for the businesses that make New York City feel like home. BAMS provides
clear rates, next-day funding and experienced payment support.

See what you could save Explore solutions
The local ledger
Made for the block.
NYC / 5 boroughs
BAMSmerchant services
$4.82
Morning regularApproved
Visa •••• 481212:48 PM
KEEP THE NEIGHBORHOOD MOVING
built for
busy streets
Proudly in Bay Ridge Brooklyn for 20+ Years
All five boroughs Brooklyn to Staten Island
No Mystery Line Items
01 / About BAMS

Brooklyn roots. More than 20 years of keeping business moving.

BAMS was founded in 2006 on a simple idea: merchants deserve honest pricing, powerful reporting tools and real people who answer when it matters. From our home in Bay Ridge, Brooklyn, we bring that standard to businesses across all five boroughs.

Our team has helped thousands of merchants simplify payments, strengthen cash flow and build long-term processing relationships around the way they actually do business.

Learn More About BAMS History
2006Founded with an under-promise, over-deliver philosophy.
Bay RidgeOur Brooklyn home and the base for our local payment team.
5 BoroughsDirect merchant support across New York City.
“Transparent, reliable, human payment processing.”
Ready to talk payments?

Speak with a BAMS consultant today.

Tell us how your business accepts payments today. We will help you compare rates, equipment and funding options without the runaround.

Speak to Sales
02 / What we do

Payment processing near me in New York City.

Brooklyn, Queens, Bronx, Manhattan and Staten Island payment solutions should reflect how each neighborhood does business. “Local” is more than a mailing address. It is knowing that a café in Astoria does not run like a salon in Bed-Stuy, a nonprofit in the Bronx, or a multi-location retailer in Manhattan — and configuring payment tools accordingly.

The Bronxnorthbound
Manhattanthe spine
Queenswide open
Brooklynsouth of the bridge
Staten Islandthe ferry side
BAMS We Process The City!
One local team. Local New York neighborhood payment processing from river to river.
B
BrooklynPayment Solutions
Restaurant ProcessingRetail POSApple Pay

At BAMS, we help Brooklyn restaurants, specialty retailers, salons, nonprofits and e-commerce brands connect fast in-person checkout with Apple Pay, online and mobile payment tools.

Bay Ridge, Bedford-Stuyvesant, Bensonhurst, Boerum Hill, Borough Park, Brighton Beach, Brooklyn Heights, Bushwick, Canarsie, Carroll Gardens, Clinton Hill, Cobble Hill, Coney Island, Crown Heights, Downtown Brooklyn, DUMBO, East New York, Flatbush, Fort Greene, Gowanus, Greenpoint, Kensington, Marine Park, Midwood, Park Slope, Prospect Heights, Red Hook, Sheepshead Bay, Sunset Park, Williamsburg, Windsor Terrace
Q
QueensPayment Solutions
SupermarketsHealthcareHospitality

At BAMS, we give Queens restaurants, neighborhood markets, medical offices and hospitality businesses flexible ways to serve high-volume and multilingual customer bases.

Astoria, Bayside, Bellerose, Briarwood, College Point, Corona, Douglaston, Elmhurst, Far Rockaway, Flushing, Forest Hills, Fresh Meadows, Glendale, Hollis, Howard Beach, Jackson Heights, Jamaica, Kew Gardens, Long Island City, Maspeth, Middle Village, Ozone Park, Queens Village, Rego Park, Richmond Hill, Ridgewood, Rockaway Beach, Sunnyside, Whitestone, Woodhaven, Woodside
X
BronxPayment Solutions
Nonprofit DonationsAuto RepairApple Pay

At BAMS, we help Bronx community organizations, auto repair shops, grocers, contractors and local retailers accept secure payments while keeping daily cash flow moving.

Belmont, City Island, Co-op City, Concourse, East Tremont, Fordham, Highbridge, Hunts Point, Kingsbridge, Morris Park, Mott Haven, Norwood, Parkchester, Pelham Bay, Riverdale, Soundview, Throgs Neck, University Heights, Wakefield, West Farms, Woodlawn
M
ManhattanPayment Solutions
Multi-Location RetailB2B PaymentsRestaurants

At BAMS, we connect Manhattan retailers, professional services firms, restaurants, B2B companies and hospitality merchants with integrated reporting and optimized payment processing.

Alphabet City, Battery Park City, Chelsea, Chinatown, Civic Center, East Harlem, East Village, Financial District, Flatiron District, Gramercy Park, Greenwich Village, Harlem, Hell’s Kitchen, Inwood, Kips Bay, Little Italy, Lower East Side, Midtown, Morningside Heights, Murray Hill, NoHo, Nolita, SoHo, Tribeca, Upper East Side, Upper West Side, Washington Heights, West Village
S
Staten IslandPayment Solutions
Service MerchantsHealthcareRecurring Billing

At BAMS, we equip Staten Island service businesses, healthcare practices, funeral homes, restaurants and growing retailers with dependable in-person, recurring and remote payment options.

Annadale, Arrochar, Bay Terrace, Bulls Head, Castleton Corners, Clifton, Dongan Hills, Eltingville, Great Kills, Graniteville, Grant City, Huguenot, Mariners Harbor, Midland Beach, New Brighton, New Dorp, Oakwood, Port Richmond, Prince’s Bay, Richmond Valley, Rosebank, Rossville, St. George, Stapleton, Todt Hill, Tompkinsville, Tottenville, West Brighton, Westerleigh, Willowbrook, Woodrow
03 / Payment solutions

The tools to take payment. The backup to keep moving.

From the first tap at breakfast to the last invoice on Friday, BAMS makes getting paid quickly and accurately the easy part.

For the whole counter

One tidy setup for every way your customers pay.

Countertop terminals, EMV, Apple Pay and contactless checkout, mobile payments, online invoices, recurring billing and deposits that land when we say they will. BAMS helps connect the moving parts so your team can focus on customers.

Whether you operate one neighborhood storefront or several locations across the city, your processing plan can include payment gateways, reporting and analytics, chargeback defense, PCI compliance support, gift and loyalty programs and same-day or next-day funding options.

Build my setup
03

Card processing, without the card-service runaround.

Get a clear plan for in-person, keyed, Apple Pay, mobile and recurring payments — configured for your kind of business.

eCommerce Hotels Non-Profit Restaurants Retail Services Wellness Wholesale
EMV + Apple Pay ready
Next-day funding options
A person on your side
04 / Industries We Serve

Merchant Services Shaped Around How New York Businesses Operate.

BAMS supports local merchants with payment technology, funding options, security resources and service models selected for their industry.

Retail Merchant Services in New York City

Retail Merchant Services

Support single and multi-location stores with countertop terminals, EMV, Apple Pay and contactless payments, gift and loyalty programs, inventory-friendly integrations and consolidated reporting.

BoutiquesConvenience StoresSpecialty Retail
Explore a tailored setup
Restaurant Merchant Services in New York City

Restaurant Merchant Services

Keep lines and tables moving with fast, dependable card acceptance, Apple Pay and contactless checkout, POS integrations, tip-friendly workflows and funding options for daily cash flow.

RestaurantsCafésBarsQuick Service
Explore a tailored setup
Salon Merchant Services in New York City

Salon Merchant Services

Make checkout simple for service teams with appointment-friendly integrations, card-on-file and recurring options, Apple Pay, mobile payments, gift cards and reporting across staff or locations.

SalonsBarbershopsSpasSaunasWellness
Explore setup
Nonprofit Merchant Services in New York City

Nonprofit Merchant Services

Accept one-time and recurring contributions in person or online, provide convenient donor payment choices and use clear reporting to help every contribution count.

CharitiesCommunity GroupsFoundations
Explore setup
E-Commerce And Mail Order in New York City

E-Commerce And Mail Order

Use flexible gateways, Apple Pay and card-not-present processing for online stores, subscriptions, phone orders and omnichannel merchants while adding fraud and chargeback tools.

Online SellersSubscriptionsPhone Orders
Explore setup
Healthcare Payments in New York City

Healthcare Payments

Offer secure patient payment options for office visits, balances, recurring plans and remote payments with PCI compliance guidance and easy-to-read reporting.

MedicalDentalTherapyWellness Practices
Explore setup
Hospitality And Guest Services in New York City

Hospitality And Guest Services

Create a smoother payment experience for hotels and guest-first businesses with dependable integrations, Apple Pay, secure card acceptance and tools for multiple departments or locations.

HotelsVenuesGuest Experiences
Explore setup
B2B And Professional Services in New York City

B2B And Professional Services

Optimize eligible commercial card transactions with Level 3 processing, invoice tools, virtual terminals, recurring billing and reporting for complex customer accounts.

WholesaleProfessional FirmsCommercial Services
Explore setup

Plus specialized setups for your industry

Payment support is ready for the unique workflows of local specialized businesses.

View All Industries
SupermarketsAuto RepairMobile MerchantsFuneral HomesBusiness OwnersDevelopersBookkeepersAffiliates
05 / Pricing models

Interchange-Plus vs Flat-Rate.

BAMS offers published rates for qualified transactions and custom interchange-plus pricing. Understanding how each model works helps you compare the true cost of processing.

Transparent components

Interchange-Plus

You pay the interchange cost set by the card networks plus a separate processor markup. This makes lower- and higher-cost transaction types visible instead of blending them into one standard rate.

Read the interchange-plus guide
One blended rate

Flat-Rate

A single blended rate applies to covered transactions. It is simple to read initially but can make it difficult to see how card types, payment methods and wholesale interchange costs affect your bottom line.

Review flat-rate pricing
Calculate the true cost

Effective Rate

Your effective rate is your true processing cost. Use it to compare the total cost across quotes instead of relying only on a headline rate.

(Total Fees ÷ Total Processing Volume) × 100
Calculate your effective rate
Need help comparing pricing?

Speak with a BAMS consultant.

Review your current statement with a local payment professional and find the pricing model that fits your transaction mix.

Speak to Sales
06 / The handoff

Switching should feel less like a project.

We work around your hours and existing tools, from restaurant and retail POS systems to Apple Pay, gateways, virtual terminals, mobile devices, invoicing and recurring payment workflows.

01

We read the fine print.

Send us a statement or tell us how you take payment. We find the cost leaks and show our work.

02

We fit the counter.

Your terminal, POS, invoices and deposits get set up around the way your team actually works.

03

We stay on the line.

When something feels off, you reach a person who knows your account — not a maze of menu options.

07 / Let's talk shop

Bring us your toughest payment question.

Tell us a little about the business. We will come back with a straightforward recommendation, not a rehearsed pitch.

Prefer a quick hello?Call 718-412-3455 · Mon–Fri, 9–6
Ready When You Are

Tell BAMS About Your Business.

Use the official BAMS contact form to share your processing needs, current setup and preferred way to connect. A payment specialist will follow up with the next steps.

Visit the BAMS Contact Form No commitment. Just a straightforward conversation about your payment options.
08 / Straight answers

Questions from behind the counter.

Still wondering if BAMS supports your industry, existing equipment or preferred payment methods? Here is the useful version of what we hear most.

Yes. BAMS is based at 413 86th Street, 2nd Floor, Brooklyn NY 11209 and supports merchants across all five boroughs. Local New York neighborhood payment processing means working with professionals who understand the city’s businesses.

Learn why merchants choose BAMS

BAMS provides payment solutions for restaurants, retailers, e-commerce companies, nonprofits, healthcare practices, salons, hospitality businesses and many other merchant types.

Explore all supported industries

Often, yes. BAMS supports common point-of-sale systems, gateways, mobile payments, Apple Pay, EMV equipment and other tools that can be configured around your operation.

View BAMS payment solutions

Compare the complete cost rather than one headline rate. Review processor markup, interchange, monthly fees, equipment and your effective rate across similar transaction mixes.

Review the BAMS comparison process

Share how you accept payments today and a BAMS consultant can help you compare pricing, equipment, integrations, funding options and support.

Speak to Sales

A chargeback strategy should connect dispute response with cash-flow planning. Tracking patterns early can help reduce avoidable losses and make upcoming liabilities easier to anticipate.

Read the chargeback prevention guide

Slow checkout, limited payment choices, unclear errors and unnecessary form steps can cause customers to abandon a purchase before completing payment.

Review seven payment friction points

Seasonal volume can change your transaction patterns quickly. Planning ahead helps your processor understand expected sales increases and reduces the risk of avoidable funding interruptions.

Learn how to prepare for peak-season processing

Faster access to processed funds can give businesses more flexibility to replenish inventory, cover operating expenses and reinvest in customer acquisition.

See how faster deposits support growth

An accountable payment partner explains pricing clearly, sets realistic expectations, responds when problems occur and remains involved after the account is activated.

Learn how to evaluate a payment partner
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